MARCH  1885. 


MARCH.  1898. 


School  Savings  Banks 

IN  THE 

UNITED  STATES 


A  MANUAL  FOR  THE  USE  OF  TEACHERS. 


RULES  AND  REGULATIONS. 

HINTS  AND  SUGGESTIONS  FOR  THE  INTRODUCTION  AND  THE  PRACTICAL 
WORKING  OF  THE  SCHOOL  SAVINGS  BANK  SYSTEM. 


CDLLECTIDN  DF  PROVERBS. 


THIRD  EDITION, 


BY 

J.  H.  TH  IR  Y, 

of  Lon(j  Rland  City,  N.  Y. 


New  York: 

THE  AMERICAN  BANKER, 
29  Murray  Street, 

189S. 


^PHIS  treatise  is  respectfully  dedicated 
^  to  the  following  functionaries  in 
grateful  acknowledgement  of  their  co¬ 
operation  in  the  cause  of  School  Savings 
Banks  in  the  United  States: 

The 

HON.  W.  T.  HARRIS,  LLD. 

Commissioner  of  Education  of  the  United  States. 

HON.  JNO.  EATON, 

Ex-Commissioner  of  Education  of  the  United  States. 

HON.  CHARLES  R.  SKINNER, 
Superintendent  of  Public  Instruction,  State  of  New  York, 

AND 

HON.  A.  S.  DRAPER, 

Ex-Superintendent  of  Public  Instruction,  State  of  New  York, 
now  President  of  the  University  of  Illinois. 

t 

By  their  humble  servant, 

J.  H.  THIRY. 


Entered  in  the  office  of  the  Lillrarian  at  Washington,  D.  C.,  by  J.  H.  Thiet,  in  the  year  1898. 


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CONTENTS. 


Page 

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2 

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Introduction,  ........ 

Steps  to  be  Taken  Previous  to  the  Introduction  of  tbe  System, 

Contents  of  Circular,  ....... 

Giving  Notice,  .  .  . 

REGULATIONS, . 

The  Part  Savings  Banks  Play  in  School  Savings  Banks, 

The  Legislation  of  School  Savings  Banks  in  connection  with  the  Banks 
which  are  willing  to  receive  the  Deposits  of  the  Scholars, 

The  Blank  Forms — 

Printed  Form  No.  1,  (Outside  Weekly  Card)  .  .  .  . 

“  “  No.  1,  (Inside  Weekly  Card)  .... 

“  “  No  2,  (Teacher’s  Monthly  List  of  Depositors) 

“  “  No  3,  (Deposit  Slip)  ..... 

“  “  No.  4,  (Blank  Check  to  withdraw  money)  . 

“  “  No.  5,  (Envelope  to  contain  weekly  collection) 

“  “  No.  6,  (Ledger  heading  which  may  be  used  by  the  Prin¬ 
cipal  only)  .  ..... 

Collection  of  Proverbs,  Quotations,  etc.  .... 


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RULES  and  REGULATIONS 


EoverninE  the  Introduction  and  Practical  tlilorkinpfthe  System 

BY 

J.  H.  THIRY,  Long  Island  City,  N.  Y. 


INTKODUCTION. 


The  fourth  edition  of  the  rules  and  regulations  for  the  introduction 
and  practical  working  lof  the  system  published  in  1892  being  nearly  ex¬ 
hausted,  and  numerous  applications  for  copies  being  daily  received  from 
all  parts  of  the  United  States,  the  introducer  of  the  plan,  with  the  view 
of  fostering  and  encouraging  the  spreading  of  the  system,  and  also  with 
the  aim  of  answering  more  promptly  and  more  effectively  the  appeal 
made  for  information  by  those  who  seek  its  introduction,  and  by  some 
others  who  wish  to  acquire  a  knowledge  of  its  adaptability  to  the  school 
curricula,  takes  pleasure  in  offering  this  fifth  edition  of  the  rules  and 
regulations.  A  copy  will  be  mailed  free  of  charge  to  any  one  who  will 
apply  to  J.  H.  Thiry. 

The  printed  forms,  and  the  practical  features  of  the  system  adopted  in 
the  schools  of  Long  Island  City  since  1885  are  and  have  been  considered 
the  shortest,  simplest  and  most  effective  in  every  respect  that  could 
be  devised  as  regards  labor  in  the  school  room,  and  clerical  work  in 
the  banks.  Twelve  years  of  experience  have  suggested  no  improvement 
in  them, 

STEPS  TO  BE  TAKEN  PREVIOUS  TO  THE  INTRODUCTION  OF 

THE  SYSTEM. 

1.  — School  Boards  do  not  require  authorization  of  the  State  or  nation 
to  enable  them  to  introduce  the  banking  feature  in  the  schools;  they 
are  invested  with  the  necessary  power.  If  the  teachers,  principal  or 
the  superintendent  be  the  first  mover  in  the  cause,  application  for  au¬ 
thority  must  be  made  to  the  School  Board. 

2.  — After  receiving  the  authorization,  the  superintendent  or  principal 
should  endeavor  to  secure  the  co-operation  of  a  savings  bank  near  the 
school,  which  will  receive  the  weekly  savings  of  the  scholars,  arrange 
matters  regarding  the  hour  for  deposits,  and  decide  the  question  of  blank 
forms,  also  by  whom  the  cost  of  the  printing  should  be  supported,  etc. 

3.  — Having  received  the  necessary  authorization,  and  fixed  the  date 
of  the  first  day  for  the  collection  of  the  savings  of  the  scholars,  the 
School  Board,  the  superintendent,  or  even  the  principal,  should  issue. 


2 


a  few  days  previous  to  the  starting-,  a  circular  addressed  to  the  parents, 
the  press  and  the  friends  of  the  schools. 


THIS  CIRCULAR  OUGHT  TO  CONTAIN. 

First — The  reasons  which  prompt  the  board  to  introduce  the  system. 

Second — The  date  of  the  day  tha  t  the  system  will  be  put  in  operation. 

Third — An  appeal  for  the  earnest  co-operation  of  the  teachers,  par¬ 
ents,  the  local  press,  the  friends  of  the  children  and  the  schools. 

Fourth — A  sketch  of  the  rules  and  regulations  for  the  successful 
working  of  the  plan.  With  the  circular  should  be  sent  a  copy 
of  the  weekly  deposit  card  (as  sample  No.  1,  page  6).  Such  card 
to  be  returned  to  the  teacher  by  the  scholar  the  day  of  collection. 

Money  deposited  in  the  school  fund  by  the  scholars  ought  not 
to  be  a  drain  upon  the  resources  of  the  parents.  We  seek  rather 
a  sound  and  healthy  growth  of  the  system  than  the  accumu¬ 
lation  of  a  large  amount  of  money  for  the  success  of  school 
banks  is  measured  more  particularly  by  the  number  of  depositors 
than  by  the  amount  of  money  collected. 

The  same  circular  should  impress  parents  that  school  savings 
banks  are  not  savings  banks  for  adults;  the  money  a  child  de¬ 
posits  should  be  the  product  of  his  own  labor,  or  be  derived  from 
a  right  source;  and  teachers,  and  the  public  in  general,  that 
school  savings  banks,  managed  wisely,  will  become  most  salutary 
agencies  in  education. 


GIVING  NOTICE. 

On  the  Friday  previous  to  the  depositing  day  (Monday)  the  superin¬ 
tendent  or  principal  may  prepare  a  brief  address  to  the  pupils  at  the 
closing  exercises,  stating  the  advantages  derived  from  the  practioal  les¬ 
sons  of  thrift  and  economy,  and  the  evils  resulting  from  a  wrongful  use 
of  pocket  money.  Scholars  should  then  be  informed  that  on  the  day 
following  (Monday)  teachers  will  be  prepared  to  receive  for  deposit  all 
sums  from  a  penny  to  a  dollar,  and  that  these  sums  will  be  deposited  the 
same  day  in  the  local  savings  bank  in  the  name  of  each  depositor,  who 
will  receive  a  regulalr  savings  bank  book  when  the  amounts  shall  have 
reached  a  dollar  or  more. 

After  dismissing  the  school  on  Friday,  the  superintendent  or  princi¬ 
pal  will  gather  the  teachers  together,  and,  informing  them  of  the  steps 
already  taken  for  the  introduction  of  the  system,  will  explain  the  use 
of  the  blank  forms,  and  teach  them  more  in  fifteen  minutes  than  they 
could  learn  in  a  month’s  practice. 


REGULATIONS. 

In  calling  a  name  from  the  roll-book  of  the  class  the  child  must  say, 
if  he  has  anything  to  deposit,  “Yes,  one  cent,”  or  “Yes,  five  cents,”  or 
whatever  sum  he  has.  He  must  immediately  rise  from  his  seat  and 
deliver  his  money  with  his  weekly  card  (see  specimen  No.  1,  page  6) 
to  the  teacher,  who  counts  the  money  and  inscribes  the  amount  in  the 
Monday  column  of  the  roll-book,  and  upon  the  weekly  card  upon  which 
the  name  of  the  pupil,  the  teacher,  and  amount  of  previous  deposits  are 
inscribed. 


—  3  — 


In  calling  the  roll,  if  nothing  has  been  saved,  the  scholar  must  answer 
“no”  and  the  teacher  makes  a  mark  to  that  effect,  at  the  same  time 
marking  the  attendance.  When  the  teacher  has  concluded  calling  the 
roll  and  collecting  the  savings,  the  money  collected  in  the  class  is  counted 
to  see  if  the  amount  corresponds  with  the  total  amount  inscribed  in  the 
roll-book.  If  the  amounts  tally,  the  money  is  immediately  sent  to  the 
principal  or  superintendent  in  a  sealed  envelope  (specimen  5,  page  9). 

This  ends  the  teacher’s  work,  except  that,  with  the  collection  of  the 
last  Monday  of  each  month,  a  list  is  sent  to  the  principal  on  this  same 
day  (specimen  No.  2,  page  10)  of  all  the  depositors  of  the  class,  with 
name  and  amount  to  be  credited  in  the  savings  bank  to  each  depositor 
who  has  contributed  to  the  school  fund  fifty  cents  and  over,  during 
the  month.  Sums  less  than  fifty  cents,  although  kept  in  the  bank  to  the 
credit  of  the  principal,  will  be  credited  to  the  “Greneral  fund”  until  the 
scholar  has  reached  the  sum  fixed.  Then  it  will  be  credited  to  the  schol¬ 
ar’s  account. 

As  to  the  principal;  He  receives  immediately  after  collection,  in  a 
sealed  envelope,  the  amount  collected  by  each  of  the  teachers  separately; 
he  does  not  require  a  special  book;  the  printed  form,  (specimen  No.  2, 
page  8)  and  received  at  the  end  of  each  month  from  the  teacher,  is  sent 
to  the  bank  with  the  bank  books  of  the  pupils  who  have  contributed 
fifty  cents  and  above.  That  same  list  is  returned  the  week  after,  from 
the  bank  to  the  principal,  with  the  bank  books  of  the  pupils  inscribed 
in  the  list  No.  2,  cited  above.  So,  these  monthly  lists  in  his  possession 
take  the  place  of  a  special  book.  But  if  he  desires  to  keep  a  separate 
book  to  inscribe  the  weekly  deposits  of  teachers,  the  specimen  No. 
6,  page  10,  is  well  calculated  to  meet  that  need,  and  to  save  expenses, 
can  be  easily  made  by  hand.  As  for  details  of  the  weekly  deposits  by 
individual  pupils,  if  he  needs  them,  he  can  secure  them  by  borrowing 
the  roll-books  of  the  teachers.  These  roll-books  are  the  property  of  the 
school,  and  as  such  are  preserved  by  the  authorities  as  official  records. 

When  the  first  general  deposit  of  a  school  is  sent  to  the  bank  by  the 
principal,  he  receives  in  return  a  bank  book  in  which  is  recorded  the 
total  amount  deposited  by  all  the  teachers.  W^hen  money  is  deposited, 
a  bank  ticket  (specimen  No.  3,  page  8)  must  accompany  each  weekly 
deposit  to  the  bank.  This  ticket  No.  3  is  also  used  by  the  teacher  in 
connection  with  the  deposit  list  No.  2,  at  the  end  of  each  month,  by  in¬ 
scribing  thereon  the  number  of  bank  book,  amount  to  be  deposited,  and 
name  of  pupils,  and  sending  it  with  the  pass  book  to  the  bank. 

The  moral  influence  derived  from  the  gleaning  of  so  many  pennies, 
which  previously  were  spent  for  unnecessary  things  often  injurious  to 
body,  mind  and  soul,  is  enough  to  make  all  those  who  wish  to  see 
the  future  citizen  more  industrious,  law  abiding  and  useful  to  himself  and 
to  the  State,  rejoice  and  assist  in  carrying  on  the  good  work. 

Drop  into  a  bank  on  a  Monday  forenoon  which  is  lending  a  helping 
hand  to  this  new  juvenile  and  economic  educator,  and  you  will  see  enter 
a  school  janitor  with  a  smile  upon  his  face,  and  a  box  or  parcel  under* 
his  arm,  which  contains  the  collection  of  the  pennies  saved  during  the 
previous  week  by  the  pupils  of  a  school.  The  contents  of  these  boxes 
and  parcels  contain  many  silent  stories.  It  is  a  sowing  of  the  seed  which 
will  produce  a  hopeful  harvest. 

Though  the  bank  books  of  the  scholars  are  sent  to  the  bank  once 
every  three  months  for  balancing,  the  principal  need  not  send  to  the 
bank  the  pass  book  of  a  child  who  has  not  deposited  50  cents  and  above 
during  the  past  three  months.  At  their  request,  the  principal  will  allow 
the  little  depositors  to  take  their  bank  books  home  once  a  month,  say 


—  4  — 


on  Friday,  to  be  returned  the  following-  Monday.  During  vacation,  or 
when  a  pupil  leaves  school,  the  bank  book  will  be  surrendered  to  the 
child,  who  may  deposit  or  withdraw  money  directly  from  the  bank,  the 
cashier  acting  during  vacation  for  the  principal. 

At  the  reopening  of  the  school  the  principal  will  request  the  cashier 
of  the  bank  to  furnish  him  a  list  of  the  school  banking  operations 
during  the  vacation,  and  will  inscribe  upon  his  own  journal  the 
amount  deposited  or  withdrawn  by  each  pupil  during  the  above  vacation. 

With  the  view  of  reducing  the  clerical  work  in  the  bank  and  at  the 
same  time  remedying  the  inconvenience  caused  by  some  depositors  living 
far  from  the  savings  banks,  the  superintendent  or  the  principal  may 
receive  on  Monday  morning,  day  of  collection,  applications  to  -withdraw 
part  or  all  the  money  in  the  bank  of  scholar  depositors.  The  superin¬ 
tendent  or  the  principal  will  pay  the  checks  presented  with  some  of  the 
money  already  collected  that  day,  and  will  send  such  receipted  checks 
(see  form  No,  4,  page  9)  to  the  bank  with  the  collection  of  the  day.  The 
amount  of  these  checks  will  be  received  at  the  bank  as  cash,  and  en¬ 
tered  in  the  account  of  the  principal  or  superintendent,  and  charged  to 
the  individual  account  of  the  depositors  interested. 

The  superintendent  or  the  principal,  acting  as  the  de  facto  treasurer 
of  the  school,  should  render,  at  the  end  of  each  school  term,  to  the  Board 
of  Education,  at  its  regular  meeting,  an  account  of  all  the  banking  trans¬ 
actions  in  his  school  during  the  term,  stating  the  work  done,  number  of 
depositors,  amount  deposited,  withdrawn  and  remaining  due  depositors, 
followed  by  a  description  of  the  advantages  or  inconvenience  offered  by 
the  system  from  observations  taken  during  the  last  school  term.  Such 
information  and  statistics  could  be  embodied  in  the  Annual  Report  of 
the  Board  of  Education. 


THE  PART  SAVINGS  BANKS  PLAY  IN  SCHOOL  SAVINGS  BANKS. 

% 

No-w  that  we  have  described  the  details  for  the  introduction  in  the 
school  of  the  savings  bank  system,  let  us  step  into  a  savings  bank  which 
has  arranged  to  receive  the  deposits  of  the  scholars.  Savings  banks  being 
regarded  as  benevolent  institutions,  their  object  is  to  receive  the  savings 
of  the  working  people,  and  invest  the  same  for  them,  and  make  these 
savings  earn  money  as  labor  does.  The  doors  of  savings  banks 
are  open  to  the  people  of  all  ages,  color  and  nationalities,  and  their 
healthful  influence  in  the  community  is  extended  even  to  minors.  In 
many  cities  and  towns  of  our  country,  the  savings  banks  have  opened 
their  doors  to  28,335  pupils  of  280  schools  of  America,  and  they  have  al¬ 
ready  received  in  deposits  during  the  last  few  years  $451,211.37  by  the 
intermediation  of  teachers,  who  act  as  their  trustees  in  a  certain  meas¬ 
ure.  Of  this  sum  $158,197,14  remains  due  little  depositors. 

THE  LEGISLATION  OF  SCHOOL  SAVINGS  BANKS  IN  CONNECTION 
WITH  THE  BANKS  WHICH  ARE  WILLING  TO  RECEIVE 
THE  DEPOSITS  OF  THE  SCHOLARS. 

When  the  trustees  of  a  savings  bank  have  offered  to  the  school  au¬ 
thorities  to  receive  the  deposits  of  the  scholars  by  the  co-operation  of 
the  superintendent  or  the  principal  of  the  school  it  is  advisable: 

1.  That  the  bank  have  a  special  ledger  to  record  the  scholars’  deposits, 
pro-viding  the  number  of  depositors  -will  amount  to  500  and  above. 

2.  That  the  bank  give  to  each  of  the  superintendents,  or  the  principal 
sending  the  weekly  collections  to  the  bank,  a  separate  bank  book.  The 


—  5  — 


superintendent  or  principal  will  fill  out  a  deposit  slip  (as  sample  No.  3> 
for  the  amount  received  from  their  school  each  Monday  morning,  then 
send  the  money  together  with  his  book  and  slip  to  the  bank.  The 
amount  will  be  placed  to  their  credit. 

The  scholars  having  contributed  $1.00  are  entitled  to  receive  each  a 
bank  book,  and  as  such,  his  future  account  in  the  bank  will  be  treated 
the  same  as  any  individual  account.  The  monthly  list  (sample  No.  2) 
drawn  by  the  teacher  and  sent  to  the  principal  wuth  the  collection  of  the 
last  Monday  of  each  month  will  include  all  the  names  of  the  several 
scholars  with  amounts  which  they  are  to  be  credited  with.  The  list  of  all 
the  teachers  of  a  school  will  be  sent  to  the  bank  by  the  principal.  It  is 
from  these  lists  that  the  cashier  of  the  bank  will  enter  on  each  pupil’s 
pass-book  and  on  the  bank’s  ledger  the  amount  to  be  credited  on  the 
pupil’s  pass-book. 

The  total  monthly  amount  of  the  several  lists  of  the  same  school 
will  be  deducted  from  the  principal’s  pass-book  and  charged  on  the  bank’s 
ledger  to  the  superintendent  or  principal’s  account,  they  giving  a  check 
for  the  same. 

The  above  manner  of  transacting  school  banking  affairs  has  been  in 
operation  in  a  great  many  schools  and  banks  the  past  few  years  with 
success,  but,  by  way  of  reducing  the  clerical  work  in  the  banks,  it  is 
advisable  that  in  a  bank  having  2,000  scholar  depositors  and  above, 
weekly  deposits  should  be  allowed  to  accumulate  and  the  transfer  to 
the  pupil’s  pass-book  takes  place  only  at  the  end  of  every  quarter.  This 
question  is  left  tO'  the  judgment  of  the  school  and  bank  authorities,  as 
also  the  one  relating  to  the  interest  to  be  allowed  to  scholar  depositors. 
In  most  of  the  post  office  savings  banks  in  Europe  no  interest  is  al¬ 
lowed  to  individual  depositors  for  sums  less  than  five  dollars,  nor  for  a 
period  less  than  a  month.  The  average  rate  of.  interest  is  2%  per  cent. 
In  Italy  the  savings  banks  do  not  allow  interest  to  depositors. 

In  concluding  the  above  remarks  relating  to  school  savings  bank 
legislation,  the  writer  may  add  that  he  has  referred  to  the  most  vital 
points,  leaving  some  of  its  minor  details  to  the  judgment  of  school  and 
bank  authorities  and  to  the  discretion  of  superintendents  and  principals. 

The  rules  laid  down  here  for  the  limitation  of  weekly  deposits,  as 
well  as  the  amount  fixed  entitling  a  pupil  to  receive  the  regular  bank 
book,- may- be  altered  so  as  to  make  them  compatible  with  some  local 
peculiarities.  But  under  any  circumstances  the  time  fixed  to  receive  the 
savings  of  the  scholars  cannot  be  changed,  viz.:  Precisely  at  9  o’clock 
every  Monday  morning  at  the  opening  of  the  morning  session.  If  it 
should  be  decided  to  have  the  collection  of  the  savings  taken  outside  of 
school  time,  or  even  to  allow  an  officer  of  the  local  savings  bank  to  in¬ 
terfere  in  the  school  rooms  with  the  collections,  better  not  to  introduce 
the  system,  for  it  would  be  unfair  to  overtax  the  teacher,  and  at  the 
same  time  deprive  the  scholars  of  their  recreation  time. 

School  banking  being  considered  as  an  important  factor  in  education 
must  be  practiced  under  the  supervision  of  the  teacher,  and  in  conjunc¬ 
tion  with  other  school  work.  The  presence  in  the  school  of  an  agent  of 
the  bank  to  collect  the  savings  of  the  children  would  rob  them  of  the 
educative  value  expected. 


6 


THE  BLANK  FORMS. 

The  following  blank  forms  meet  all  requirement  for  the  practical  and 
successful  working  of  the  plan.  By  the  most  competent  judges,  they  are 
considered  superior  to  those  now  in  use  in  Europe. 

The  Roll  Book  is  the  first  needed  form.  It  is  not  necessary  to  represent 
it  here.  Any  system  of  roll  book  will  answer  the  purpose  for  recording  the 
school  savings  bank  fund. 

PRINTED  FORM  NO.  1. 

(OUTSmK— FOE  INSroE  FORM  SEE  NEXT  PAGE.) 

Pupil’s  Weekly  Card. — This  card  is  given  to  the  pupil  when  he  makes 
his  first  deposit,  and  the  name  of  the  depositor,  the  teacher,  and  the  amount 
deposited  must  be  inscribed  thereon.  The  scholar  retains  the  card  and  it  must 
be  presented  every  Monday  if  a  deposit  is  to  be  added.  The  cards  are  gener¬ 
ally  furnished  by  the  school  board.  In  the  hands  of  the  scholars  such  a  card 
has  proven  the  most  eflScient  means  of  inducing  them  to  make  a  start  in  the 
work  of  saving  and  continuing  it  afterwards  : 


“  The  habit  of  saving  is  an  essential  part  of  a  true  practical  education.” 


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PRINTED  FORM  NO.  1. 

(INSIDE.) 


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PRINTED  FORM  NO.  2. 

(tea CHERTS  MONTHLY  LIS'!  OF  DEPOSITORS.) 

This  list  is  sent  at  tlie  end  of  each  months  with  the  last  collection  of  the 
month,  to  the  Superintendent  or  Principal  by  every  teacher  of  a  school,  with 
the  bank  books;  and  must  contain  the  names  of  the  depositors  and  amounts 
collected  during  the  month,  to  be  credited  in  the  bank.  These  lists  are  sent 
to  the  bank  by  the  Superintendent  or  Principal  whenever  transfers  to  the 
children’s  bank  books  are  to  be  made.  These  same  lists  are  returned  by  the 
bank  to  the  Superintendent  or  Principal,  a  couple  of  days  after,  with  the  pass 
books  of  the  little  depositors,  who  are  allowed  to  take  them  home  the  last  Fri¬ 
day  of  the  month,  to  be  returned  the  following  Monday  : 


Deposited  in  the  LCNG  ISLAND  SAVINGS  BANK,  to  the 
credit  of  the  following  pupils  of  Graminer  B  Class,  Third  Ward 
School  of  Long  Island  City.  Em.'na  Lawrence,  Teacher. 


Acer.  Nos. 

NAMES. 

Deposited. 

. 18 

Deposited. 

. 18 

Deposited. 

. 18 

Deposited. 

. 18 

Deposited. 

. 18 

■$ 

CCS. 

$ 

cts. 

$ 

cts. 

$ 

cts. 

$ 

cts. 

639,567 

Ernestine  E.  McGee... 

2 

10 

4 

00 

1 

10 

1 

10 

8 

20 

656,432 

Peter  Knauer . 

3 

00 

5 

00 

1  4 

00 

1 

30 

13 

39 

656,321 

Alexander  Swalenberg. 

1 

00 

2 

50 

00 

1 

25 

5 

75 

1 

27 

25 

PRINTED  FORM  NO.  3. 


This  is  the  ordinary  deposit  slip  used  by  both  Principal  and  teacher.  By 
the  Principal,  in  sending  to  the  bank  the  weekly  collection  of  his  teachers,  with 
the  bank  book  he  previously  received  from  the  bank  in  making  the  first  deposit 
for  the  school  under  his  charge.  The  bank  book  of  the  Principal  indicates  the 
total  amount  the  school  is  credited  with  to  the  bank  and  also  serves  to  free 
him  from  responsibility.  Although  he  deposits  the  money  of  the  school  in  the 
bank,  he  cannot  personally  withdraw  any.  The  same  slip  is  also  used  by  the 
teachers  at  the  end  of  each  month  to  inscribe  on  it  the  amount  deposited  by 
each  pupil.  Such  slip  to  be  placed  inside  of  the  pass  book  of  each  depositor 
and  sent  to  the  Principal  who  forwards  them  to  the  bank.  The  bank  officers 
inscribe  only  the  deposits  in  the  bank  books  of  the  scholars  and  not  the  teachers 
nor  the  principal. 


CO 


"la 

*5 


Book  No 


Date . 


Amoimt 


189. . . 


$ 


Na7ne 


tJ5 

c: 

o 


—  9 


PRINTED  FORM  NO.  4. 

•Tlie  blank  check  is  delivered  by  the  Principal  to  the  owner  of  the  pass 
book  who  wishes  to  withdraw  part,  or  all  the  money  deposited.  The  pass  book 
must  be  presented  to  the  bank  with  the  check  signed  by  the  owner  of  the  bank 
book,  his  parents  or  guardians  and  the  Principal,  without  which  the  bank  will 
refuse  to  pay  the  money  called  for. 


THE  PASS  BOOK  MUST  BE  PBESENTED  WITH  THE  CHECK, 


Long  Island  City . 189 $ . 

LONa  ISLAND  CIT7  SAVINGS  BANK, 

COR.  JACKSON  AVENUE  AND  THIRD  STREET. 

Pay . his  parents  or  guardians 

. Dollars. 


and  charge  to  account  of  Book  No 


Principal.  Signature. 


PRINTED  FORM  NO.  5. 

As  soon  as  the  savings  of  a  class  are  collected,  counted  and  found  to  corre¬ 
spond  with  the  total  in  the  roll  book,  the  money  is  put  in  one  envelope,  sealed 
and  endorsed  as  below  and  sent  to  the  Principal,  who  makes  the  list  of  names 
and  amount  collected  by  eaeh  teacher.  Six  teachers,  six  envelopes  (See  Form 
6  for  Principal’s  list.)  The  total  amount  is  recorded  on  a  check,  as  No.  3  and 
sent  with  the  money  and  his  bank  book  to  the  bank,  which  bank  book  is  re¬ 
turned  by  the  deliverer  of  the  same.  At  his  leisure  time  the  cashier  of  the 
bank  breaks  the  seal  and  counts  the  money.  Generally  the  school  janitor  takes 
the  money  to  the  bank.  Thus  far  no  error  or  trouble  has  been  experienced, 
although  the  system  has  been  in  operation  twelve  years. 


Grammer  B 

School 

r. 

1 

I 

EMMA  LAWRENCE. 

! 

j 

i 

October  26,  1890. 

$27.25 

lO 


FORM  NO.  6. 

This  blank  form  has  proven  to  he  the  most  concise  and  efficient  form  for 
the  Principal  or  Superintendent  to  keep  the  record  of  the  weekly  deposits  of 
the  teachers.  It  has  been  in  use  in  the  Third  Ward  school  of  Long  Island 
City,  by  its  Principal,  Mrs.  Mary  E.  McGee,  since  1885,  and  it  seems  to  answer 
in  every  respect  the  needs  of  the  Superintendent  or  Principal. 

BANKING. 

Third  Ward  School  of  Long  Island  City^  Sept.  9  to  Oct.  7,  1897. 


Mrs.  Mary  E.  McGee,  Principal 

Sept.  9. 

Sept  16. 

Sept.  23 

Sept.  30. 

Oct.  30. 

Miss.  E.  Lawrence,  Teacher _ 

$6.10 

$11.50 

$6.10 

$0.35 

$0.66 

“  E.  Waddell.  “  .... 

8.15 

6  25 

10.35 

4.09 

6.35 

“  E  Lynch,  “  .... 

11.10 

11.30 

10.80 

9  56 

9.54 

“  E.  Chadsy,  “  - 

6  21 

3.77 

5.17 

3.95 

4.84 

$31.50 

$32  92 

$32.42 

$17.86 

$21.38 

If  the  system  is  to  be  introduced  at  all,  it  ought  to  enter  in  our  school 
rooms  as  an  educational  factor  and  not  as  a  purely  capitalistic  idea.  It  must 
become  part  of  the  ordinary  programme  of  school  work,  disturbing  no  other 
element  of  the  work,  gaining  a  strong  foothold  by  its  merit.  It  is  for  the 
above  reasons  that  (1)  deposits  of  the  scholars  should  be  recorded  in  the  roll- 
book,  thus  coming  into  accord  with  the  other  studies  on  the  programme;  that 
is  to  say,  a  teacher  does  not  need  another  book  for  recording  the  deposits. 
(2)  That  Monday  (  at  the  beginning  of  the  morning  session )  is  the  day  on 
which  the  savings  of  the  scholars  should  be  collected.  (3)  That  the  money 
be  deposited  the  same  day,  by  the  Principal  or  the  Superintendent,  in  a  sav¬ 
ings  bank,  or  sound  trust  company,  and  in  such  a  manner  as  to  enable  the 
depositor  to  withdraw  a  part  or  all  of  his  money  at  any  time. 

Further  information  and  the  privilege  to  print  and  use  the  copyrighted 
card  will  be  given  free  of  charge  by 

MRS  SARA  LOUISA  OBERHOLTZER, 

1905  Tioga  St.,  Philadelphia,  Pa.,  or 

J.  H.  THIRY, 

181  Academy  St.,  Long  Island  City,  N.Y. 

January  31,  1898. 


For  Copies  of  the  above  Rules  and  Regulations,  apply  to  the  publisher, 
the  Editor  of  The  American  Banker,  29  Murray  Street,  New  York.  Price, 
25  cents  per  copy. 


COLLECTION  OF  PROVERBS,  QUOTATIONS,  ETC. 

Selected  and  Arranged  by  J.  H.  THIRY  of  Long  Island  City,  N,  Y. 


This  selection,  like  other  contributions  that  the  compiler  has  laid  before 
the  public  during  the  last  few  years,  is  the  result  of  a  never  varying  inten¬ 
tion  to  stimulate  and  eucourage  our  teachers  to  extend  the  sphere  of  school 
savings  banks  throughout  the  public  schools  of  the  United  States.  The 
history  of  wit,  quotations  and  proverbial  forms  of  expression  is  the  story  of 
nations.  Long  before  Ihe  invention  of  printing,  (1438)  a  great  many  proverbs 
and  pithy  sayings  of  wise  men  passed  from  lip  to  lip  as  the  unwritten  laws  of 
morality  and  action.  Later,  some  i)hilosophtrs  embodied  them  in  their 
literary  productions.  They  have  proven  to  be  strong  factors  in  determining 
the  actions  and  characters  of  the  most  famous  men  among  our  forefathers. 
Proverbs  and  quotations  are  not  only  of  importance  for  what  they  contain  of 
matured  thought,  but  also  for  what  they  suggest.  Many  of  these  old  sayings 
refer  to  the  advantages  of  thrift  and  economy,  a  circumstance  which  has  im¬ 
pelled  the  writer  to  collect  and  arrange  them  in  the  following  pages  so  that  they 
could  conveniently  serve  as  reference  and  as  a  very  useful  compendium  to 
the  new  rules  and  regulations  of  the  school  savings  bank  system.  From  this 
selection  the  teachers  may  draw  some  inspirations  and  ideas,  if  they  wish  to 
prepare  addresses  or  write  contributions  to  the  press  with  a  view  of  stimu¬ 
lating  a  spirit  of  thrift  and  economy  among  the  people,  and  most  particularly 
among  the  scholars.  * 

“A  bad  compromise  is  better  than  a  successful  stiit.” 

“  A  crooked  stick  will  have  a  crooked  shadow.” 

“  A  crown  in  pocket  doth  you  more  credit  than  an  angel  spent.” 

“  A  dead  bee  maketh  no  honey.” 

‘‘  A  debauched  son  of  a  noble  family  is  a  foul  stream  from  a  clear  spring.” 

‘‘  A  dog  will  not  cry  if  you  beat  him  with  a  bone.” 

”  A  drunkard’s  pur.se  is  a  bottle.” 

”  A  father  is  a  treasure,  a  brother  a  comfort,  but  a  friend  is  both.” 

”  A  fool,  if  he  holds  his  tongue,  passes  for  wise.” 

‘‘A  gentleman  should  have  more  in  his  pocket  than  on  his  back.” 

”  A  gentleman  without  an  estate  is  a  pudding  without  suet.” 

”  A  gift  with  a  kind  countenance  is  a  double  present.” 

*  ‘  A  good  beginning  makes  a  good  ending.” 

“  A  good  p’  esence  is  a  letter  of  recommendabon.” 

“A  great  fortune  in  the  hands  of  a  fool  is  a  great  misfortune.” 

“  A  great  load  of  gold  is  more  burdensome  than  a  light  load  of  grave.” 

“A  handful  of  common  sense  is  wmrth  a  bushel  of  learning.”  {Spanish  proverb.) 

‘‘A  knavish  confession  should  have  a  cane  for  absolution.^’ 

‘‘A  liar  is  a  bravado  toward  God  and  a  coward  toward  man.” 

‘‘A  light  purse  makes  a  heavy  heart.” 

”  A  liquorish  tone  is  the  purse’s  canker.” 

‘‘A  httle  debt  makes  a  debtor,  but  a  CTeat  one  an  enemy,” 

”  A  little  house  well  filled,  a  little  land  well  tilled  and  a  little  wife  well  vrilled  are  great  riches.'’’ 
‘‘  A  man  among  children  will  long  be  a  child,  a  child  among  men  will  soon  be  a  man.” 

‘‘  A  man  as  he  manages  himself  may  die  old  at  thiity,  or  young  at  eighty.” 

“A  man  forewarned  is  forearmed.’^ 

‘‘  A  man  in  passion  ndes  a  horse  that  runs  away  with  him.” 

“  A  man  knows  no  more  to  any  purpose  than  he  practices.” 

“  A  man,  like  a  watch,  is  to  be  valued  for  his  goings.” 

“A  man  may  be  young  in  years,  j-et  old  in  hours.’’ 

“  A  man  may  lead  his  horse  to  water,  but  cannot  make  him  drink.” 

”  A  man  may  talk  like  a  wise  man  and  yet  like  a  fool.” 

“  A  man  of  cruelty  is  God’s  enemy.” ' 

“A  man  of  gladness  seldom  falls  into  madness.” 

A  man  of  words  and  not  of  deeds,  is  like  a  garden  full  of  weeds.” 

“A  man  without  money  is  like  a  bow  without  an  arrow.” 

”  A  man  that  keeps  riches  and  enjoy  them  not,  is  like  an  ass  that  carries  gold  and  eats  thistles.” 
”  A  man  without  reason  is  a  beast  in  season.” 

‘‘  A  man’s  folly  is  his  worst  foe,  and  his  discretion  his  best  friend.” 

‘‘A  man’s  gift  makec  room  for  him.” 

”  A  mariner  must  have  his  eye  upon  the  rocks  and  sands  as  well  as  upon  the  north  star.” 


• 

'‘A  man’s  mind  is  a  meek  mirror.” 

A  merchant  s  happiness  hangs  upon  chances,  winds  and  waves.” 

A  merry  compenion  is  music  on  a  journey.” 

“  A  nice  wife  and  a  hack  door  do  often  make  rich  men  iH>or.’ 

“A  penny  more  buys  the  whistle ;  a  penny  saved  is  a  i»enny  gained.” 

“A  penny  weight  ot’  love  is  wortii  a  pound  of  law.” 

“A  pensive  soulfe6<l8  upon  nothing  but  bitter.s.” 

“  A  pilot  is  not  chosen  for  his  richf-s,  but  his  knowledge.” 

A  poor  man  wants  something,  a  covetous  man  aU  things.” 

*•  A  poor  spirit  is  poorer  than  a  poor  purse.” 

“  A  proud  mind  and  a  poor  purse  are  ill  met.” 

“A  puff  of  wind  and  popular  praise  weigh  tlike.” 

“  A  rolling  .stone  gathers  no  moss.” 

“A  scholar  may  gnUed  thrice,  a  soldier  hut  once.” 

“  A  shameless  beggar  must  have  a  sho.t  deniai.” 

“  A  shoemaker's  wife  and  the  smith’s  are  always  the  worst  shod.” 

‘‘A  silver  key  can  open  an  iron  lock.” 

“A  single  linger  cannot  catch  flies.” 

“  A  small  leak  wfll  sink  a  big  fhip.” 

“A  small  spark  may  make  a  great  fire.” 

“A  small  sum  may  serve  for  a  great  purpose.” 

“  A  spur  in  the  head  is  worth  two  in  the  heels.” 

*'  As  you  sow,  so  shall  you  reap,” 

“  A  trae  reformation  must  begin  at  the  upper  end.” 

“A  whip  for  a  fool  and  a  rod  for  a  school  is  always  in  good  season.” 

“A  whole  bushel  of  wheat  is  made  up  of  single  ^‘aius.” 

**  A  wise  man  begins  in  the  end.  a  fool  ends  in  the  begiuninng.” 

“A  wise  man  will  make  more  opportunities  than  he  finds.” 

“  All  food  is  good  to  eat,  but  all  words  are  not  tit  to  speak.” 

“  Almost  always  the  most  indignant  are  the  most  generous.” 

“An  empty  oag  cannot  stand  upright.” 

“  An  empty  purse  and  a  new  house  makes  a  man  wise,  but  too  late." 

“An  idle  brain  is  the  devil’s  shop.” 

“  Avarice  is  more  opposed  to  economy  than  liberalitv.” 

“By  the  street  of  ‘  By  and  By’  one  arrives  at  the  house  of  ‘  Never.’ " 

“  Bear  wealth,  poverty  will  bear  itself.” 

“Bet'er  unborn  than  untaught.” 

“Business  makes  a  man  as  well  as  tries  him.” 

“By  ignorance  we  mistake  and  by  mistakes  we  learn.” 

“  By  other’s  faults  wise  men  corr^t  their  own.” 

“  Children  are  poor  men’s  riches.” 

“  Charity  well  regulited  begins  at  home.” 

“  Deeds  are  fruits,  words  are  leaves.” 

“  Desire  of  glory  is  theflast  garment  that  even  wise  men  put  off.” 

“Drift  is  as  bad  as  unthrift.” 

“  Drinking  water  neither  makes  a  man  sick,  nor  in  debt,  nor  his  wife  a  widow.” 
“Drunkenness  makes  some  men  fools,  some  beasts  and  some  devils.” 

“Drunkeuness  turns  a  man  out  of  himsell  and  leaves  a  beat«t  in  his  room.” 

“  Do  not  all  you  can;  spend  not  all  you  have;  believe  not  all  3011  hear,  aud  tell  not  all  you  know." 
“Do  not  swap  horses  while  crossing  a  stream.”  (Lincohi  )  [one  way  to  hit  it.” 

“Don’t  forget  this,  my  b  )y :  “  There  are  ten  thousand  ways  to  miss  the  bull’s  eye,  and  only 

“  Early  to  bed,  early  "to  ri-^e,  makes  a  man  healthy,  wealth^'  and  wise.” 

“East or  West,  Borne  is  best.” 

“  Eat  at  pleasure,  drink  by  measure.” 

“Elevation  is  to  merit,  what  dress  is  to  a  handsome  person. 

“Error,  though  blind  herself,  sometimes  bringeth  forth  children  that  can  see.” 

“  Every  age  confutes  old  errors  and  begets  new.” 

“Every  fool  can  find  faults  that  a  great  many  wise  men  can’t  remedy*.” 

“Every  one’s  censure  is  first  moulded  in  its  own  nature.” 

“  Every  vice  fights  against  nature ;  example  is  better  than  precept.” 

“  Every  man  is  the  son  of  his  own  works.  ’ 

“  Fair  words  and  fowl  play  cheat  both  young  and  old.” 

“Fair  words  and  wicked  deeds  deceive  wise  men  an  i  fools.’' 

“  Fame,  like  a  river,  is  n  irrowest  at  its  source  ami  broadest  afar  off.” 

“  Fame  is  a  magnifying  glass ;  fame  is  vapor.”  ( Horace  Greeley.) 

“  Faults  are  thick  where  love  is  thin.” 

“  Fi.sh  and  swine  live  in  water  and  die  in  wine.” 

“Follow  the  river  and  you  will  get  to  sea.” 

“Folly  as  well  as  wisdom  is  justified  by  its  children.’' 

“Foois  build  hous  -8  an  I  wise  men  live  in  them.”  (Bacon.) 

“  For  age  and  want  save  while  j'oumay  no  morning  sun  lasts  a  whole  day.” 

“For  want  of  a  nail  the" shoe  is  lo't ; 

For  want  of  a  shoe  tbe  horse  is  lost ; 

For  want  of  a  horse  the  rider  is  lost.”  (G.  Herbert,  164).) 

“Fortune  helps  them  that  help  themselves.” 

“Fortune  knocks  once  at  least  at  every  man’s  gate.’' 

“  From  fame  to  infamy  is  a  beaten  road.” 

“  Krom  oiir  ancestors  come  our  names,  but  from  virtues  our  honors.” 

“From  saving  come  having.” 

“  Frugalitj’  is  an  est  ite  alone.” 

“From  a  silent  man  and  a  dog  that  does  not  bark,  deliver  us.” 

“  Fall  sick  and  you  will  see  who  is  your  friend  and  who  not.” 

“  Folly  is  the  most  iucuralde  ot  maladies.” 

“Fools  and  tne  perverse  till  the  lawyer’s  pnr.se.” 

“Fortune  displays  our  virtues  and  our  vice.s,  as  light  mak  -s  a)l  (»hjects  apparant  ” 

“Fortune  never  appears  so  blind  as  she  does  to  those  upon  whom  shecouicr.s  iio  f  avor.’’  ' 


“  Fortnne  and  humor  govern  the  world.” 

“  Gadding  gossips  shall  dine  on  the  pot  lid.” 

“  Gather  toistles.  and  expect  prickles.” 

“Give a  child  his  will,  and  a  welt  his  fill,  and  neither  will  thrive.”  [fonl  knave.” 

“Give  a  child  till  he  crave,  and  a  dog  till  he  waves  his  tail,  then  you  shall  have  a  fair  dog  and  a 
“  Give  an  industrious  boy  a  halter  and  he  will  soon  find  a  horse.*'’ 

“  Giving  alms  never  lessons  the  purse.” 

'*  God  made  us  and  we  admire  ourselves,” 

“  God  will  provide,  but  a  good  bundle  of  straw  will  not  be  amiss.” 

“  Gold  goes  in  any  gate  except  heaven’s.”  [to  the  can.” 

“  Go  not  with  every  ailment  to  the  doctor,  with  every  plea  to  the  lawyer,  or  with  every  thirst 
“  Good  humor  is  the  health  of  the  soul,  sadness  its  poison.” 

“ Good  husbandry  is  good  divinity.” 

“  Good  luck  reaches  further  than  long  arms.” 

*•  Good  weight  and  measure  is  heaven’s  treasure.” 

*•  Good  work  will  never  save  you.  but  you  cannot  be  saved  without  it.” 

“  Grace  will  last,  favor  will  blast.” 

“  Grass  never  grows  when  the  wind  blows.” 

“  Great  alms  giving  lessens  no  man’s  living.”  (Herbert.) 

“  Great  spenders  are  bad  lenders.” 

“  Great  hearts,  like  the  ocean,  never  congeal.” 

“Happy  is  he  that  serveth  the  happy.”  [his  wife.” 

"  Haste  makes  waste,  and  waste  makes  want,  and  want  makes  strife  between  the  good  man  and 
“  He  hears  poverty  very  ill  who  is  ashamed  of  it.” 

“  He  cannot  be  good  that  knows  not  why  he  is  good.” 

“  He  is  slave  of  the  greatest  slave  who  serveth  nothing  but  himself.” 

“  He  is  not  fit  for  riches  who  is  afraid  to  use  them.” 

“He  liveth  long  that  liveth  well  ” 

“  He  IS  not  poor  that  hath  alit'le,  but  he  that  desireth  much.”  (Herbert.) 

“He  that  all  men  will  please  shall  never  find  ease.”  (Clarke.) 

“  He  that  huyeth  dear  and  taketh  up  on  credit  shall  ever  sell  to  his  loss.” 

“He  that  cannot  pay,  let  him  pray.” 

“He  that  does  anything  for  the  public  is  accounted  to  do  it  for  nobody.” 

"  He  that  eats  and  leaves,  covers  his  table  twice.”  (From  a  MS.  of  1153.) 

“  He  that  fights  and  runs  away,  may  live  to  fight  another  day.” 

"  He  that  gives  his  goods  before  he  be  dead,  take  up  a  mallet  and  knock  him  on  the  head." 

“He  that  gives  time  to  resolve,  gives  time  to  deny  and  warning  t  j  prevent,” 

“He that  giveth  customarily  to  the  vulgar,  buyeth  trouble,” 

“  He  that  goes  a  borrowing,  goes  a  furrowing.’ 

“  He  that  goes  to  church  with  an  ill  intention,  goes  to  God’s  house  on  the  devil’s  errand.” 

“He  that  grasps  at  too  much,  holds  nothing  fast.” 

“  He  that  has  but  four,  and  spends  five,  has  no  need  of  a  purse.” 

“  He  that  has  hut  one  hog  malies  him  fat,  and  he  taat  has  hut  one  son  makes  him  a  fool  ” 

“  He  that  has  lost  his  credit  is  dead  to  the  world.” 

“  He  that  has  no  silver  in  the  purse,  should  have  silver  on  his  tongue.” 

“  He  that  hath  money  in  his  purse,  cannot  want  a  head  for  his  shoulders.” 

“  He  that  hoardeth  up  money,  taketh  pains  for  other  men.” 

“  He  that  hath  a  good  master  and  cannot  keep  him. 

He  that  hath  a  good  servant  and  not  content  with  him, 

He  that  hath  such  conditions  that  no  man  loved  him, 

May  well  know  others,  but  few  men  will  know  him.”  (Rhodes,  1577.) 

“  He  that  in  nis  purse  lacks  money,  has  in  his  mouth'mueh  need  of  honey.” 

“  He  that  in  youth  no  virtue  useth,  in  age  all  honors  him  refuseth.” 

“  He  that  is  a  blab  is  a  scab.” 

“  He  that  is  content  with  his  poverty  is  wonderfully  rich.”  ( Wordroephe,  1623.) 

“  He  that  is  in  poverty  is  still  in  suspicion.”  (1629.) 

“  He  that  is  known  to  have  no  money  has  neither  friends  nor  credit.” 

“  He  that  is  master  of  himself,  will  soon  be  master  of  others.” 

“  He  that  is  not  sensible  at  his  loss  has  lost  nothing.” 

“  He  that  is  proud  his  clothes  gets  his  reputation  from  his  tailor.” 

“  He  that  is  surety  for  another  is  never  sure  of  himself.” 

“He  that  is  not  handsome  at  20,  nor  strong  at  30,  nor  rich  at  4.0,  nor  wise  at  50,  will  never  be 
handsome,  strong,  rich  or  wise.”  (Herbert.) 

“  He  that  is  too  proud  to  ask,  is  too  good  to  receive.” 

“  He  that  labors  and  strifes  spins  gold.” 

“  He  that  lives  on  hope  has  but  a  slender  diet.” 

“  He  th.at  looks  not  before  will  find  himself  behind.” 

“  He  that  makes  himself  an  ass,  must  not  take  it  ill  if  men  side  him.” 

“  He  that  may  and  will  not,  he  then  that  would  and  shall  not,  he  tliat  would  and  cannot,  may 
repent  and  fight  not.”  (Rhodes,  Book  of  Nature,  1577.) 

“  He  that  plants  trees  loves  others  beside  himself.” 

“  He  that  plays  his  money  ought  not  to  value  it.” 

“  He  that  praiseth  publicly  will  slander  privately.  ’ 

“  He  that  regards  not  a  penny  will  lavish  a  pound.” 

“  He  that  resolves  to  deal  with  none  but  honest  men  must  leave  off  dealing.” 

“He  that  returns  good  lor  evil  obtains  the  victory.” 

“He that  seeks  trouble  never  misses.”  (Herbert.) 

“  He  that  serves  everybody  is  paid  by  nobody.” 

“He  that  shows  his  purse  longs  to  be  rid  of  it.” 

“He  that  spendeth  much  and  getteth  nought,  and  oweth  much  and  hadth  nought,  and  looks  in 
his  purse  and  finds  nought,  he  may  be  sorry  he  say  nought.”  (From  a  MS.  of  the  \bth 
Century.) 

“He  that  rewards  the  deserving  makes  himself  one  of  their  number.” 

“  He  that  saves  when  he  is  young  may  spend  when  is  old.” 

“  He  that  walketh  with  the  virtuous  is  one  of  them.” 

“He  that  wants  hope  is  the  poorest  man  alive.” 


"  He  that  \rill  be  his  own  master  will  have  a  fool  f  .r  his  scholar.” 

“  He  that  will  not  stoop  for  a  pin  will  never  i  e  worth  a  pound.”  (Pepys.) 

“  He  that  would  know  what  shall  be.  must  consider  what  hath  been  ” 

“  He  that  would  live  in  peace  and  rest,  must  hear  and  see  and  say  the  least." 

“  He  that  would  the  daughter  win.  must  with  the  mother  first  begin  ” 

“  He  that  will  thrive  must  rise  at  five,  he  that  had  thriven  may  lay  till  seven,  and  he  that  will 
never  thrive  may  lie  till  eleven.” 

”  He  who  gives  you  fair  words  feeds  you  with  an  empty  spoon.” 

”  He  who  hath  a  trade  hath  a  share  everywhere.” 

”  He  who  beggeth  for  others  is  contri  ^  ing  for  himself.” 

“  He  who  depen  Is  on  another,  dines  ill  and  snps  worse.” 

"He  who  marries  a  widow  will  oft»-n  have  a  dead  man  thrown  in  his  dish.” 

“He  who  fastcth  and  doeth  no  eood,  saveth  his  bread,  but  loseth  his  soul.” 

"  He  who  sows  i  horns  will  never  reap  grapes.” 

“  He  who  spends  more  than  he  should,  sh  «11  not  have  to  spend  when  he  would,” 

"He  who  steals  from  a  citizen  ends  his  life  in  chain  and  fetters,  and 
He  who  steals  from  a  community  ends  his  life  in  gold  and  purple.”  {Cato.) 

"He  who  says  what  he  likes,  sha  1  hear  what  he  don’t  like.” 

"  He  who  strives  to,  does  more  th.vn  he  who  has  the  power.” 

"  He  who  swells  in  prospenl^  wUl  .'•brink  in  adversity.” 

"  He  is  a  friend  to  none  that  is  a  frie  d  to  al'.” 

"  He  is  a  good  man  whom  fortune  makes  better." 

Hearts  may  agree  though  beads  differ.” 

"  High  regions  are  never  without  storms.” 

"  Houe>ty  is  the  best  policy.  ’  (Xorth  ) 

"Hunger  ami  c(dd  deliver  a  man  to  bis  enemy.” 

"Hunger  and  thirst  scarcely  i  ill  any,  but  gluttony  and  drink  kill  a  great  many.” 

"  Hunger  fetches  the  wolf  out  of  the  woods.” 

"  Hs  pocri-y  can  find  out  a  cloak  for  every  rain.”  (Podsley.) 

"  He  IS  poor  whose  expenses  exceed  his  income.”  [break  it.” 

"  Habit  is  a  cable,  we  weave  a  tliread  of  it  ever  /  day,  and  it  becomes  so  strong  that  we  cannot 
"  If  you  pay  what  you  owe,  what  you’re  worth  you’ll  know.  ’ 

"I  sell  nothing  on  trust  till  to-morrow.” 

"I  taught  you  to  swim,  audnow  vou’d  drown  me.” 

"Idle  men  are  the  devil's  play  fello'^s.” 

"If  a  wise  man  shoidd  never  miscarry,  the  fool  would  burst.” 

"If  a  word  be  worih  a  shekel,  silence  Is  worth  two.” 

"  If  all  fools  wore  white  c  ap-*,  we  sh  mid  see  a  flock  of  geese.”  {Ilcrhert.) 

"  If  better  were  vnthiii,  better  would  come  out.” 

"If  e  ery  m.in  mend  one  all  sh  til  be  mendeu.” 

*'  If  I  ha«l  nor.  lifted  up  the  stone,  you  would  not  have  found  the  jewel.” 

"  If  my  aunt  had  been  a  man,  shea  have  been  my  uncle.” 

"If  the  brain  sows  no  corn,  it  plants  thistlr'S.”  . 

"  If  the  devil  catches  a  man  idle,  ht-’U  set  him  at  work.” 

"If  the  niggard  should  once  taste  the  sweetness  of  giving,  he’d  give  all  away." 

“  If  thou  hast  not  a  capon,  feed  on  an  onion.” 

"  If  thou  wonldst  keep  money,  save  money ;  if  thou  wouldst  reap  money,  sow  money.” 

"If  wishes  were  butter  cakes,  beggar  might  bite;  if  wishes  were  horses  beggars  would  ride.” 
"If  you  are  too  fortunate,  you  wid  not  know  yourselt,  and 
If  you  are  too  unfortunate,  nobody  will  know  you.” 

"  If  you  cannot  bite  never  show  your  teeth.” 

"  If  you  had  fewer  friends  and  more  enemies,  you  would  have  been  a  better  man.” 

"  If  >  oa  had  as  liitle  money  as  manners,  you’d  he  the  poorest  of  all  your  kin.'' 

"If  yon  hare  a  mau,  eat  his  bread,  and  if  you  love  h  m,  do  the  same.” 

"If  you  have  no  enemy,  it  is  a  sign  that  fortune  has  forgotten  you.” 

"If  you  leap  into  a  well.  Providence  is  not  bound  to  fetch  you  out.” 

"If  you  make  not  much  of  three  pences,  you  il  never  he  worth  a  groat.” 

"  I  f  yon  oh  ize  those  who  can  never  pay  you,  you  make  Providence  your  debtor.” 

"  If  you  piay  with  a  fo  1  at  home,  he'll  play  with  you  in  the  market.'’ 

•  If  you  put  nothing  into  your  purse,  >  ou  cm  take  nothmg  out.” 

"If  you  run  alter  two  rabbits,  you  will  catch  neither.” 

"  If  you  touch  pot,  you  must  touch  penny.” 

"  If  you  trust  before  you  try,  you  may  repent  before  you  die.” 

"If  you  wish  a  thing  done,  go ;  if  not.  send.” 

"If  you  wish  good  advice,  consult  an  old  man.” 

"  If  you  would  enjoy  the  fruit,  pluck  not  th  t  flower.” 

"  If  you  would  know  t  e  value  of  a  ducat,  trj’  to  borrow  one.” 

"If  youth  knew  what  age  would  crave,  it  would  both  get  and  save.” 

"Ignorance  is  a  voluntary  misfortune.” 

"Ign  >rance  is  the  mother  of  impudence." 

"Ill  doers  are  ill  thinkers;  ill  egging  make  ill  begging.” 

"Ill  luck  is  worse  than  found  money'.” 

"  Impatience  never  gets  preferment.” 

"  In  a  calm  sea  every  one  is  a  pilot  ” 

"  In  a  thousand  pounds  of  law  there’s  not  an  ounce  of  I  've.” 

"In  courte'y  rather  pay  a  penny  too  much  than  too  little.” 

“  In  for  a  penny’,  in  for  a  pound.”  {Ray — Spaninh  prooerb.) 

"  In  good  year  corn  is  hay,  in  ill  year  s  raw  is  corn.” 

"In  spending  lies  the  advantage;  in  the  end  things  will  mend.” 

"In  the  greatest  ill  the  good  man  hath  hope  left.’’ 

"  In  time  of  mirth  take  heed.” 

“  In  time  of  prosperity,  friends  will  be  plenty ; 

"  In  time  of  adversity,  no  one  amongst  twenty.”  {Howel.) 

"Industry  is  foituue  s  right  hand,  aud  frugality  her  left.  ’ 

"Into  a  mouth  shot,  fl  es  fly  not.”  {Harvey.) 

"Il  is  an  equal  failing  to  trust  everj’body  and  to  trust  nobody." 


“It  is  at  conrts  as  it  is  in  pounds,  some  fish,  some  frotrs.” 

“  It  is  Irom  want  of  thinking  that  most  men  are  undone.” 

“  It  is  good  to  fear  the  worst,  the  best  can  save  itse  f." 

“  It  is  impossible  to  sin  against  charity  when  we  do  nought  against  truth.” 

“  It  is  not  a  sin  to  sell  dear,  but  to  make  small  measure.” 

“  It  is  money  that  makes  the  mare  to  go.” 

“  It  is  not  w'ant,  but  abundance,  that  makes  avarice.” 

“  It  is  too  late  to  call  again  yesterday.”  (Heywood.) 

“  It  is  too  lai  6  to  spare  when  the  bottom  is  bare.” 

“It  requires  greater  virturea  to  support  good  than  bad  fortune.” 

“In  >  outh  the  tastes  are  changed  from  heat  to  blood ;  in  old  age  they  are  preserved  fr  mi  habit.” 
“  It  is  not  sufficient  to  have  good  qualities,  we  must  be  al)le  to  make  ])roper  use  of  them.” 

“  In  order  to  be  applauded  for  what  we  do,  we  must  not  too  much  applaud  ourselves.” 

“It  is  often  i  e  ter  not  to  see  an  in.sult  than  to  avenge  it.”  {Aeneca  ) 

“  It  is  by  accumulat'iig  ai  d  saving  that  the  world  advances.  If  we  .spend  all  as  we  go.  we 
seldom  achieve  much.  The  savage  alternately  feasts  and  starves,  for  he  seldom  saves 
for  a  rainy  day.” 

“  If  a  man  has  brains,  the  thing  he  needs  above  all  is  balance.”  {E.  C.  He^ioett.) 

“  It  is  ea>ier  for  a  camel  to  g  >  through  the  eve  of  a  need.e  than  for  a  rich  ma.u  to  enter  the  king¬ 
dom  of  Heaven.  ”  (Text  of  the  Scripture.) 

“  Keep  the  company  of  good  men,  and  j"ou  shall  be  of  their  number.”  (Herbert.) 

“  Kindnesses,  like  grain,  increase  by  sowing.” 

Kn  .ves  and  fools  divide  the  world.” 

“  Knowledge  is  a  second  light,  and  hath  bright  eyes.” 

“  Knowledge  is  no  burden ;  knowledge  is  power.” 

“  Iiaughtef  is  the  hiccough  of  a  fool.” 

“Laws  catch  flies,  b..t  let  i  he  hornets  go  free.” 

“Lay  thy  hand  upon  thy  halfpenny  twice  before  thou  partcst  with  it." 

“  Laziness  travels  so  slowly  tijat  pover  y  soon  ovei  takes  it.” 

“  Learning  makes  a  good  mau  better  and  an  ill  man  worse.” 

“Learning  makes  iit  company  for  himself.” 

“  Let  your  purse  be  your  master.”  (Bays.) 

“  Life  without  a  friend  is  death  without  a  witness.”  (Herbert.) 

“  Light  gains  make  a  he  ny  purse.” 

“  Little  and  often  fills  the  purse.” 

“  little  Strokes  fell  great  oaks.” 

“  Love  and  business  ti-ach  eloquence.”  (Herbert.) 

“  Life  is  the  best  school  and  conscience  the  b-st  guide.” 

“  ITIaids  want  nothing  but  husband.s,  and  when  they  have  them,  they  want  eA^erj  lhing.” 

“  Make  not  the  irieud  too  cheap  to  thee,  nor  thyself  to  thy  frie  .  d.” 

“  Malice  very  seldom  wants  a  mark  to  shoot  at.” 

“  Manner  and  money  make  a  gentleman.” 

“Many  a  dogi.s  hanged  for  his  skin,  and  many  a  man  is  killed  for  his  purse.”  (Clarke.) 

“  Many  come  to  bring  their  clothes  to  church  r^iher  than  themselves.” 

“  Many  e.states  are  npent  in  the  getting.” 

“  Many  have  been  ruined  by  buying  good  penny  worths  ” 

“  Many  littles  make  a  mi  kle.”  (Camden.) 

“May  the  man  be  damned  and  never  grow  fat,  who  wears  two  faces  under  one  hat.” 

“  Memory  is  the  treasurt-r  of  the  mind.” 

“  Mischief  comes  by  pounds  and  goes  away  by  ounces.” 

“  Misfortune  comes  on  wings  and  departs  on  foot.” 

“  Money  in  purse  will  be  always  in  fashion.” 

“Money  is  a  good  servant  but  a  bad  master.” 

“  M  mey  is  often  lost  for  want  of  money.” 

“Money  is  the  sinew  of  love  as  well  as  of  war.” 

“  Money  we  want  and  cannot  i  orrow,  j-et  drink  we  must  to  slacken  sorrow.” 

“  Mother’s  darlings  make  but  milk-sop  heroes.” 

“Much  coin  much  care.” 

“  Miser’s  money  goes  twice  to  market.” 

“Money  soothes  more  than  a  gentleman’s  words.” 

“  Nature  teaches  us  to  love  our  friend.s,  but  religion  our  enemies.” 

“  Necessity  and  oppor  unity  may  make  a  coward  valiant.” 

“Necessity  is  the  mother  of  invention.” 

“Neither  great  poverty  nor  great  riches  will  hear  reason.” 

“Never  fish  in  tioubled  waters— Never  qu  t  cortaicty  for  hope.” 

“Never  too  late  to  learn--New  brooms  sweep  clean.” 

“  Night  is  the  mother  of  thought.” 

“Nimble  nine  pences  better  than  a  slow  shilling.” 

“  No  autumn  fruit  without  spring  blossoms.” 

“No  cross  no  crown.” 

“  No  estate  can  make  him  rich  that  has  a  poor  heart.” 

“No  gain  on  earth  without  its  loss ; 

“No  back  of  ours  without  its  cross. 

“  No  pleasure  here  without  it  pain, 

“  Thus  earth  and  earthly  things  are  vain.”  (Clarke.) 

“No  garden  without  its  weeds.” 

“  No  man  is  the  worse  for  k  nowing  the  worst  of  himself.” 

“  No  man  lives  so  pnor  as  ho  w'as  born.” 

“  No  pains  no  gains — Business  is  the  salt  of  life.” 

“No  penny  no  pater  noster.  (Heywood  ) 

“Not  to  oversee  workmen  is  to  lo  ivo  them  yonr  house  open.” 

“  Napoleon  I.  often  said :  ‘  The  word  impossible  is  not  iu  my  dictlonarj' ;’  and  it  took  TTatorloo 

to  stamp  it  theie.” 

“  Next  to  the  originator  of  a  good  sentence  is  the  quoter  of  it.”  (Emerson  ) 

“  Neither  do  men  light  a  candle  and  put  it  under  a  bushel,  but  on  a  candlestick  and  it  givetb 
light  to  all  that  are  in  the  house.” 


—  i6  — 


*Of  money,  wit  and  virtue,  believe  one-fourth  of  ^vhat  you  hear.” 

“  Of  nothing  come  nothing,  of  saving  cometh  having.” 

“  Once  warned  half  armed.” 

“  One  favor  qualifies  for  another.” 

“One  good  head  is  better  than  a  hundred  strong  hands.” 

“  One  to-day  is  worth  two  to-morrow’s.” 

“  One  hand  washes  the  other  and  both  the  face.” 

“  One  ounce  of  discretion  is  worth  a  pound  of  wit.” 

“  Pain  is  forgotten  where  gain  comes.  Pain  past  is  pleasure.  ” 

“  Painted  pictures  are  dead  speakers.” 

“Pardon  all  men  but  never  thyself.” 

“  Patience  is  a  flower  tha*;  grows  not  in  every  garden.” 

“  Patience  with  poverty  is  a  poor  man’s  remedy.” 

“  Pay  what  you  owe  and  what  you  are  worth  you’ll  know." 

“  Pen  and  ink  is  wit’s  plough.” 

“  Penny  and  penny  laid  up  will  be  many.’ 

“  Penny  in  pocket  is  a  good  companion.” 

“  Penny  wise  and  pound  foolish.” 

“  Plenty  brings  pride,  pride  plea,  plea  pain,  pain  peace,  peace  plentv.”  {Gascoyne.) 

“  Plough  deep  whilst  sluggards  sleep  and  you  shall  have  corn  to  sell  and  keep.  ’ 

“  Poets  are  bom  but  orators  are  made.” 

“Poverty  breeds  strife.” 

“Precepts  may  lead,  but  examples  draw.” 

“Procrastination  is  the  thief  of  time— Promise  is  debt.” 

“  Prosperity  gets  followers  but  adversity  disiinguishes  them.” 

“  Provide  for  the  worst  the  best  will  save  itself.” 

“Public  reproof  hardens  shame.” 

“  Punctuality  is  the  soul  of  business.” 

“  Quick  believers  need  broad  shoulders.” 

“  Quarrels  would  not  last  long  if  the  fault  was  only  on  one  side.” 

“  Itather  go  to  bed  supperless  than  rise  in  debt.” 

“Eeady  money  is  ready  medicine.” 

“  Eeason  governs  the  wise  man  and  cudgels  the  fool.” 

“  Reason  teaches  young  men  to  live  well  and  prepares  old  men  to  die  welL” 

“  Religion  is  the  best  armor  but  the  worst  cloak.^’ 

“Reputation  serves  to  virtue  as  light  does  to  a  picture.” 

“Rest  and  success  are  fellows.” 

“Riches  serves  a  wise  man  but  commands  a  fooL” 

“Right  wrongs  no  man.” 

“  Rudeness  always  recoils  upon  those  who  exhibit  it.” 

“  Save  a  man  from  his  friends  and  leave  him  to  sruggle  with  his  enemies.” 

“  Saving  is  getting.” 

“  Scrape  and  save,  and  thou  shalt  have— Lend  and  trast,  and  thou  shalt  starve.” 

“  See  a  pin  pick  it  up,  all  day  you’ll  have  good  luck.” 

“  Self  do,' self  have.” 

“  Show  me  a  liar,  and  I  will  show  you  a  thief.”  {Herbert  and  Clarke.) 

“  Short  acquaintance  brings  repentance.” 

“Silence  is  wisdom  and  gets  fiiends.” 

“Sins  and  debts  are  always  more  than  we  think  them  to  be.” 

“  Six  feet  of  earth  makes  all  men  equal.” 

“  Slander  flings  stones  at  itself.” 

“  Sluggards  are  never  great  scholars.” 

“  Some  make  a  conscience  of  spitting  at  the  church,  3'et  rob  t’ae  altar.” 

“  Sometimes  words  hurt  more  than  swords.” 

“Soon  gotten,  soon  spent;  ill  gotten,  ill  spent.” 

“  Soon  hot,  soon  cold ;  soon  learn,  soon  forgotten ;  soon  ripe,  soon  rotten.” 

“  Sorrow  and  evil  life  soon  maketh  an  old  wife.” 

“Sparing  is  the  first  gaining.” 

“  Spare  the  rod  aud  spoil  the  child.” 

“Speak  not  of  a  dead  man  at  the  table.”  (Herbert.) 

“Speak  well  of  your  friends;  of  your  enemies,  say  nothing.” 

“  Speak  what  you  will,  bad  men  wiU  turn  it  ill.” 

“  Speech  is  the  picture  of  the  mind.” 

“  Spend  where  you  may  save ;  save  not  where  you  must  spend.” 

“  Straight  trees  have  crooked  roots.” 

“  Suspicion  has  double  eyes.” 

“Schools  are  the  direct  means  to  one  of  the  great  ends  of  civilized  society.” 

“  Stones  and  stickes  are  thrown  only  at  fruit  bearing  trees.” 

“  Set  a  beggar  on  horse-back  and  he’ll  ride  to  destruction.” 

“  Take  care  of  the  pences  the  pounds  will  take  care  of  themselves.”  [home.” 

“  Tens  of  thousands  have  withstood  the  generous  im  puls'*,  remembering  that :  Charity  begins  at 
“The  best  physicians  are  Dr.  Diet,  Dr  Quiet  and  Dr.  Merry  man.” 

“  The  host  throw  of  the  dice  is  to  throw  them  away.” 

“  The  charitable  give  out  at  the  door  and  God  puts  in  at  t’:e  window.” 

“  The  farthing  is  good  that  maketh  the  penn.y.” 

“  The  folly  of  one  man  is  the  fortune  of  another.” 

“  The  greatest  mischief  you  can  do  the  envious,  is  to  do  well.” 

“  The  greatest  things  are  done  by  the  help  of  small  ones.” 

“The  greatest  wealth  is  contentment  with  a  little.” 

“  The  heathen’s  fortune  is  the  Christian’s  Providence.” 

“  The  higher  the  ape  goes,  the  more  he  shows  his  tail.” 

“  The  lazj’-  man’s  the  beggar’s  brother.” 

“  The  less  wit  a  man  has,  the  less  he  knows  that  he  wants  it.” 

“The  lucky  pennyworth  sells  soonest.” 

“  The  memoi^  of  happiness  makes  misery  woeful.” 

“  The  money  you  refuse  will  never  do  you  good.” 


—  17  — 

“  The  most  dangerous  of  wild  beasts  is  a  slanderer :  of  tame  ones  a  flatterer.” 

The  persuasions  of  the  fortunate  sways  the  doubtful.” 

The  poor  man’s  labor  is  the  rich  man’s  wealth.”  {Denham.) 

The  poor  man’s  shilling  is  but  a  penny.” 

“  The  prodigal  robs  his  heirs,  the  miser  himself.” 

‘‘  The  purse-strings  are  the  most  common  ties  of  friendship.” 

‘‘The  rich  follow  wealth  and  the  poor  the  rich.” 

”  The  rich  widow  cries  with  one  eye  and  laughs  with  the  other.’ 

‘  ‘  1  he  smi  h’s  mare  and  the  cobbler’s  wife  are  always  the  worst  shod.” 

‘‘  The  smith  and  his  penny  are  both  black.”  {Herbert.) 

‘‘The  tougue  is  the  rudder  of  our  ship.” 

‘‘ The  wife  that  expects  to  have  a  good  name  is  always  at  home  as  if  she  were  lame;  and  the 
maid  that  is  honest  her  chiefest  delight  is  still  to  be  doing  from  morning  till  night.  ” 

‘‘  The  wise  man  draws  more  advantage  from  his  enemies  than  a  fool  from  bis  friends.” 

‘‘  The  worth  of  a  thing  is  best  known  by  the  want  of  it  ” 

‘*  They  ate  wise  in  other  men’s  matters  and  foul  in  tneir  own.  -  This  is  often  true  of  solicitors.” 
‘‘There  is  a  devU  in  every  berry  of  the  grape.” 

“  There  is  a  God’s  poor  and  a  devil’s  poor. — The  first  from  Providence  and  the  other  from  vice." 
‘‘  There  is  more  pleasure  in  loving  than  in  being  beloved.” 

‘‘  There  is  no  companion  like  the  penny.” 

“  'I'here  is  a  salve  for  every  sore.’*^ 

‘‘  There  is  no  joy  without  alloy.” 

”  There  is  no  virtue  that  poverty  destroyeth  not.” 

‘‘  There  is  no  art  that  can  make  a  fool  wise.” 

‘‘  There  is  no  accord  where  every  man  would  be  a  lord.” 

“  There  is  no  such  flatterer  than  the  man’s  self.” 

‘‘  There  is  no  such  comfort  in  having  children,  as  there  is  sorrow  in  parting  with  them.” 

‘‘  Th'  re  is  little  to  be  feared  from  those  who-<e  tongue4  are  their  swords.” 

‘‘  They  must  hunger  in  frost  that  will  not  work  in  heat.” 

‘‘  They  seldom  live  well  who  think  they  shad  live  long.” 

”  They  take  a  long  day  that  never  pay.” 

‘‘  They  that  buy  an  oflice  must  sell  something.” 

“  They  that  command  the  most  enjoy  themselves  the  least.” 

“  They  that  do  nothing  learn  to  do  ill.” 

‘‘  They  that  wash  on  Monday  have  all  the  week  to  dry.” 

‘‘  They  thatwill  not  be  counselled  caunot  be  helped.” 

“They  who  cannot  do  as  they  will,  mu'it  will  as  they  may.” 

“  They  who  do  what  they  should  not,  should  hear  what  they  would  not.” 

“  They  who  make  the  best  use  of  their  time  have  noue  to  spare.” 

“They  who  live  in  glass  houses  should  not  throw  stones.” 

“  They  w  ho  worship  God  for  fear  would  worship  the  devil  should  he  appear.” 

“  Tliinsis  present  are  judged  by  the  past.” 

“  Things  hard  attaiued  hi  e  the  longer  retained.” 

“  Think  to-day  aud  speak  to  morrow.” 

“  This  and  better  may  do,  but  this  and  worse  will  never  do.” 

“  This  day  there  is  no  trust,  come  to-morrow.” 

“  'Those  w'ho  are  bora  with  silver  spoons  iu  their  mouth  don’t  know  how  to  use  t’aem.” 

“  Though  I  am  bitten,  I  am  not  all  eaten.  ’ 

“  Three  may  keep  counsel  if  two  be  away.” 

“  Though  coimd  to  love  your  euemv  you  are  not  bound  t  >  put  your  sword  in  his  hand.” 

“  Though  one  grain  fiUs  not  the  sack,  it  helps.” 

“  Though  the  sore  be  healed  yet  a  scar  remain.” 

“  Trash  and  trumpery  is  the  way  to  beggary.  ’ 

“  Thrift  is  go  d  revenue — Thrift  is  the  philosopher’s  stone.” 

“  Throw  HO  gift  at  the  giver’s  head ;  half  a  loaf  is  better  than  no  bread.” 

“  Thy  secret  is  tby  prisoner ;  if  though  let  it  go  thou  art  a  prisoner  to  it.” 

“Thy  thrift  is  thy  friend’s  mirth. — Help  yourself  aud  your  friends  wi.l  bless  you.” 

“  Time  aud  tide  wait  for  no  man.” 

“Time  is  a  file  that  wears  aud  makes  no  noise.” 

“  ’'i'ls  a  wicked  world  aud  we  make  part  of  it.” 

“’Tis  bad  to  do  evil  but  worse  to  boast  of  it.”  {Heywood.) 

“  ’Tis  a  good  hor.se  that  never  stumbles  aud  a  good  wife  that  never  grumbles.” 

“  To  a  good  spender  God  is  a  treasurer.” 

“  To  borrow  on  usury  brings  sudden  beggary.” 

“To  give  and  to  have  doth  a  wise  brain  crave.” 

“  To  him  that  will,  ways  are  not  wanting.”  {Herbert.)  * 

“To  him  that  you  tell  your  secret  you  resign  your  linerty.” 

“  'To  g  lin,  teacheth  how  to  spend.’’ 

“  'Too  late  repents  the  rat  when  caught  by  a  cat.” 

“Too  much  familiaiity  bresds  contempt.”  {Clarke.) 

“  Train  up  a  ch  Id  in  the  way  he  should  go.” 

“  Trust  not  a  new  friend  nor  an  old  enemy.” 

“  Trust  nor  contend,  nor  lay  wagers,  or  lend,  and  you  wdl  have  peace  to  your  end.” 

“Truth  hath  a  good  face,  but  bad  .-lothes.” 

“'Truth  and  oil  are  ever  above. — Truth  is  God’s  daughter.” 

‘*  Truth  finds  foes  where  it  makes  none.” 

“  Truth  hath  always  a  fast  bottom.” 

“  'Truth  may  be  blamed  but  shall  never  be  shamed.” 

“  Try  before  you  trust.” 

“  Try  yoar  skill  in  gilt  first  and  then  in  gold.” 

“  Two  dogs  strove  for  a  bone  aud  a  third  ran  away  with  it.” 

“  Two  fools  m  a  house  are  too  many  by  a  couple.” 

“  Two  things  a  man  should  never  be  angry  at:  What  he  can  help  and  what  he  cannot  help.’’ 
“  'Two  things  doth  prolong  thy  life;  a  qu  et  heart  and  a  loving  wife.”  [in  one.” 

“  Two  women  in  one  house,  two  cats  aud  one  mouse,  two  dogs  and  one  bone,  will  never  accord 
“  To  be  liberal  we  must  be  economical.” 


i8  — 


“  Thoughtless  j-outh  makes  sorrowful  a^e.” 

Teach  one  child  to  save  and  others  will  follow  the  example,  till  industry  and  fmgality  becomes 
as  common  as  vice  and  misery  are  at  present.” 

“The  world  abhors  closeness  and  all  but  admires  extravagance;  yet  a  slack  hand  shows 
weakness,  a  tight  hand  strength.” 

“  The  lessons  of  thrift  and  economy  are  a  capital  to  the  children  of  poor  parents  and  an  interest 
to  the  children  of  the  rich.” 

“  The  art  of  being  able  to  make  good  use  of  moderate  abilities  wins  esteem  and  often  confers 
more  reputation  than  real  merit.” 

“  The  higher  the  rise  the  greater  the  fall.” 

“  Trust  not  your  money  to  one  whose  eyes  are  bent  on  the  ground.” 

“  The  man  who  said  his  mouth  never  uttered  a  lie  probably  spoke  through  his  nose.” 

“  The  fountain  for  wealth  and  fortune  is  good  health,  good  habits,  care,  industry  and  honesty.” 
“  The  citizenship  of  a  State  must  be  cast  in  a  common  mould  and  that  mould  is  the  common 
'  school.”  (Horace  Mann.) 

“  The  first  real  st-  p  toward  Heaven  is  to  start  now.” 

“  Under  the  broom  is  silver  and  gold.” 

“Under  the  purse  is  hunger  and  cold.” 

“  Use  not  to  day  what  to-morrow  you  may  want.” 

“  Use  pastime  so  as  not  to  lose  time.  ’  . 

“  Use  soft  wo  ds  and  hard  arguments.” 

“  Vainglory  blossoms  but  never  bears.” 

“  Valor  would  fight  but  discretion  would  run  away.” 

“  Venture  thy  opinion  but  not  thyself  for  thy  opinion.” 

“  V ice  makes  virtue  shine.” 

“  Virtue  is  tied  to  no  degree  of  man.” 

“  Virtue  would  not  go  far  if  a  little  vanity  walketh  not  with  it.” 

“  Virtues  all  agrree  but  vices  fight  one  another.” 

“AVake  not  a  sleeping  lion.— Walkgroundly— Talk  profoundly —Drink  roundly —Sleepsoundly.” 
“"Wa  it  of  care  admits  despair.” 

“  War  is  death’s  feast.” 

“  War  makes  thieves  and  peace  brings  them  to  the  gallows.” 

“Waste  makes  want. —  Waste  not,  want  not.” 

“  Water  afar  oft  quencheth  no  fire.”  (Herbert.) 

“  Water,  fire  and  soldiers  quickly  make  room.” 

“We  are  all  Adam’s  children,  but  silk  maketh  the  difference.”  (Fuller.) 

“We  are  born  crying,  live  complaining  and  die  disappointed.” 

“We  are  bound  to  be  honest  but  not  to  be  rich.” 

“  We  are  never  so  happy  or  unfortunate  as  we  think  ourseh'es.” 

“We  are  never  young  enough  to  sin  ;  never  old  enough  to  repent.” 

“We  are  more  mindful  of  injurie.s  than  benefits.” 

“We  can  live  without  our  friends  but  not  without  our  neighbors.” 

“  We  carry  our  greatest  enemies  with  us.” 

“  We  do  nothing  but  in  presence  of  two  great  witnesses,  (God  and  our  own  cocscience).” 

“  We  hate  delay;  yet  it  makes  us  wise.” 

“We  have  all  forgotten  more  than  we  can  remember.” 

“  We  may  give  aavice,  but  we  cannot  give  conduct.” 

“  We  never  know  the  worth  of  water  tib  the  well  is  dry.” 

“Wealth  got  by  labor  is  sweet  in  the  enjoyment.” 

‘  ‘  W eal  t  h  is  best  known  b  f  want.  ’  ’ 

“  Wealth  is  like  rheum,  it  falleth  on  the  weakest  part.” 

“Wealth  is  not  his  who  gets  it,  but  his  who  enjoys  it.” 

“  Well  begun  is  half  done.  (Clarke.)  ,Well  ti  iveth  that  God  loveth.” 

“  Well  thriveth  that  well  suffereth.” 

“  What  a  day  may  bring,  a  day  may  take  away.” 

“What  costs  little  is  little  esteemed  -AVhat  God  will  no  frost  can  kill.” 

“  Whatgreater  crime  than  Joss  of  time— What  is  done  by  night  appears  by  day.” 

“What  may  be  done  at  any  time  will  be  done  at  no  time.” 

“What  soberness  conceals  druokenuess  reveals.” 

“  What  is  every  man  s  business,  is  no  man's  business.” 

“What  makes  strife  ’twixt  man  and  wife.” 

“What  your  glass  told  you  will  no^  be  told  by  coun.sel.  ’  (Herbert.) 

“  When  a  wdse  man  errs,  he  errs  with  a  vengeance.” 

“  When  all  men  say  you  are  an  ass,  it  is  time  to  b  ay.” 

“  When  children  stand  quiet  they  have  done  some  harm.” 

“  When  every  one  takes  care  of  himself,  care  is  taken  of  all.” 

“  When  fortune  smiles  upon  thee,  take  advantage.” 

“  When  ill  luck  falls  asleep,  let  nobody  wake  her.” 

“  When  I  lent  I  was  a  friend,  when  I  asked  I  was  unkind.” 

“  When  love  is  in  the  case  the  doctor’s  an  ass.” 

“  Wh-n  old  age  is  evii  youth  can  learn  no  good.” 

“  When  riches  increases,  ihe  body  decreaseth.” 

“  When  thrift  and  you  Jell  first  at  a  Ifay,  you  played  the  m  in  and  thrift  ran  away. 

“  When  two  friends  have  a  common  purse  one  sings  and  the  other  weeps.” 

“When  the  cat  is  away,  the  mice  may  play.”  (Clarke.) 

“  When  the  iron  is  hot,  strike.”  (Heywood.) 

“When  thrift's  in  town,  then  some  are  in  the  field.” 

“When  we  do  ill  the  devil  temptgth  us,  when  we  do  nothing  we  tempt  him.” 

“  When  we  have  go  d  we  are  in  fear ;  when  we  have  none  we  are  in  danger.” 

“Where  co.in  s  not  common,  common  must  be  scant.” 

“  Where  God  helps,  naught  harms.” 

“Where  honor  ceaseth  there  knowledge  decreaseth.” 

“  Whet  e  ignorance  is  bliss,  ’tis  fol  y  to  be  wi.se.  ’ 

“"Where  it’s  the  weakest  there  the  thread  breaketh.” 

“Where  one  is  wise  two  are  happy.” 

“  Where  there  is  a  wiU  there  is  a  way.  ” 


“  Wliere  there  is  whispering  there  is  lying.” 

“Where  there  are  bees  there  is  honey.” 

“  Where  there  are  no  receivers  there  are  no  thieves.”  (Heywood.) 

“  Where  there  is  much  love  there  is  iniich  mistake.” 

“Where  there  is  no  love  all  are  faults.  ’ 

“  Where  wea.th  there  friends.” 

“Where  vice  is,  vengeance  follows.” 

“  Where  you  see  a  jester,  a  fool  is  not  far  off.” 

‘  ‘  Where  your  will  is  ready  your  feet  are  light.”  {Herbert. ) 

“  Wh  rever  a  man  dwell,  he  shall  be  suro  to  have  a  thorn  bush  near  his  door.”  {Clarke.) 

“  While  there  is  life  there  is  hope.” 

“White  silver  draws  black  lines.” 

“Who  always  buys  and  sells  feels  not  what  he  spends.” 

*■  Who  buys  hath  need  of  a  hundred  eyes,  who  sells  hath  tnough  of  one.” 

“Who  dainties  love,  shall  beggar  piove.” 

“AVho  depends  upon  another  man’s  table  often  dines  late.” 

“Who  give  to  all  denies  all.”  {Harvey.) 

“Who  has  a  good  trade  through  all  waters  may  wade.” 

“  Who  Inis  land  has  war.” 

“  Who  has  not  a  good  tongue,  ought  to  have  good  hands.” 

“  Who  looks  not  i  efore  finds  himself  behind.” 

“Who  nothing  have  shall  nothing  save.” 

“  ho  on  the  sabbath  pares  his  liorn,  it  were  better  for  him  had  he  never  been  born.” 

“  Who  robs  a  scholar  ro  is  twenty  men.”  {liayn.) 

“Who  speaks  of  the  wolf  sets  his  tail.”  ( Wordroephe  ) 

“  Who  spends  more  than  lie  should  shall  nor  have  lo  siiend  when  he  would.” 

“Who  t  at  build  his  hou-o  of  sallows 
And  ]»rirks  his  blind  horse  over  tiio  fallows. 

And  suftei  cth  his  wife  to  go  seek  hallows 
Is  worth  to  bo  hanged  on  the  gallows.” 

“  Who  spends  before  he  thrives  will  beg  b  fore  ho  thinks.” 

“Who  w«  ddeth  ere  ho  be  wise  shall  die  ere  he  thrive.  {Heywood.) 

“Who  will  not  keep  a  penny  shall  nt-ver  have  many.”  {Clarke.) 

“  Who  will  in  time  present  from  pleasure  refrain, 

Shull  i  I  time  to  come  the  more  nleasin  e  attain.” 

“  Who  would  borrow  when  he  hath  not  let  him  borrow  when  he  hath.” 

“Whom  V  e  1  ve  best  to  them  we  c.iu  say  least.” 

“  Wn  »  so  m  jckoththe  jmor,  reproached  his  maker.” 

“  Who  so  of  wealth  taketh  not  heed  he  shall  find  his  fault  in  time  of  need.” 

“  Wickedness  wiih  beauty  is  the  devil’s  hook  baited.” 

“Willlul  waste  brings  woeful  want.” 

“Will  is  th-j  cause  of  woe.  ” 

“Willows  are  weak.  y«  t  they  bind  other  wood.”  {Herbert.) 

“  Wine  hath  d' owned  more  men  than  the  sea.” 

“Wine  is  aturn-coat;  first  a  friend  then  an  enemy.” 

“  Wine  neither  keei  s  secrets  nor  fulfills  promises.” 

“Winter  finds  ont  what  summer  lays  up.” 

“Wisdom  Sometimes  walks  in  clouted  shoes.” 

“  Wisdom  in  a  poor  man  is  a  diamond  set  in  lead.” 

“  Wise  men  change  thoir  minds;  fools  never.’' 

“  AVise  meu  have  their  mouth  in  their  hearts  fools  their  heart  in  their  mouth.” 

“  Wise  meu  iu  the  woild  are  like  timber  trees  in  a  ledge ;  here  and  lliete  one  ” 

“  Wi  h  rsaiidwoul  ers  at  e  no  good  householders.”  {Heywood.) 

“  AVit  bought  is  better  than  wit  taught.” 

“  With  empty  bauds  meu  may  no  hawks  lure.”- 
“  AAut  is  folly  uul.  S3  a  wise  man  hai  the  keepin"  of  it.” 

“  AVith  a  fool  and  knave  there  is  no  conclusion.’’ 

“  AVith  time  and  patience  the  leaves  of  a  mulherry-tree  become  satin.”  {Walponiana.) 

“AViih  ut  pains  no  gains.” 

“  AVob  es  lose  theineeth  but  not  their  memory.” 

“  Wou  d  you  know  what  money  is  go  borrow  some.”  {Herbert.) 

“  AVhat  maintains  a  vice  would  support  two  children.” 

“  Wheie  School  Savings  Banks  have  been  in  practice  under  the  direction  of  a  wise  and  skilled 
tcachir,  t  ley  will  remain  a  permanent  element  iu  the  system.  ’ 

“When  poor,  li  >eial;  when  rich,  sriugy.” 

“  AVbere  religion  speaks  reason  has  only  one  right  to  h«ar.” 

“We  maki  our  own  destinies,  Providence  furnishes  tUe  raw  material  only” 

“  AVe  have  to  crawl  before  we  walk.” 

“  AVo  so  vV  seeds  of  future  deeds  by  every  word  we  speak  and  every  act  we  perform. — Sow  well 
if  you  wish  a  good  harvest.” 

“Work  patiently  and  energetically  and  he  content  with  a  slow  but  sure  progress.  Eemember 
tliat  one  stroke  of  the  chisel  never  formed  a  statue.” 

“  Wrinkkd  purses  make  wrinkled  faces.” 

“  When  I  was  born  I  v  ept  and  every  day  I  live  tells  me  why.” 

“  AVhen  drink  enters  wisdom  departs.” 

“  AVhere  force  prevails  right  perishes.” 

“  Tears  know  mot  e  than  books.” 

“  You  cannot  make  a  horn  of  a  pig’s  tail  ” 

“  A'ou  cannot  make  a  silk  purse  of  a  sow’s  ear.” 

“  A’ou  have  always  a  ready  mouth  for  a  ripe  cherry.” 

“You  have  daily  to  do  with  the  devil  anti  pretend  to  be  frightened  at  a  mouse.” 

“  You  have  good  manner.s  but  never  carry  them  about  you.” 

“  Yi  ulook  for  hot  water  under  the  ice.” 

“  A’ou  may  know  by  a  penny  how  a  shilling  spends.” 

“You  will  never  be  master  of  gold  enough  lo  break  your  back.” 

“  Young  men  think  old  men  fools,  but  old  men  know  that  young  meu  be  fools.” 


